THE CITIZEN 11 Money.Talk Gening the money you need (L S)­ Getting the money you need to con lidate debts inve or start a busine has always been major area of fro ration for mo Americans. In fact, it often appear to mo of us that the adage is true: "The best way to get money from a bank is to prove that you don't need the money." All per ns seeking loans or line of credit should take note of the above adage and learn to m e it work to their ad­ vantage. The best way to make it wor to your advantage is to tart with the following under anding: "The best time to borrow money is when you don't need it." However, when borrowing money you don't need implant this statement firmly in your mind: "Don't end the money you borrow." In ead, make the borrowed money wor for you by investing it putting it in a vings account or if you h ve the skills and personality u the money to start a profit­ making busine • In other words, the most busine -like reason for borrow­ ing money i to Use The Bor­ rowed Money To Make You More Money. Remember, all the intere paid on bo ed money is tax deductible. Thu when you u borrowed mom y for investment purpo you accomplish thre things: -You decrea your tax burden becau the interest payments are tax deductible. -You improve your credit rating for bigger, future loans becau you are borrowing at a time when you are not financial hard pressed and you are thus more likely to repay the an in a timely manner. -You are improving your financial security and earning additional money because you took the borrowed funds and invested them thus earning interest yourself while also hav­ ing access to a ready pool of cash in event of an emergency. ow, you probably don t want to tell bank o. 1 that you are borrowing money from it in order to buy a certificate of deposit at a riva] bank. But once you get the loan you can do with the money as you see fit. In fact, with good credit rating you can borrow, let's y, 5,000 from three or four different banks at the same time. The key to this u of the financial system is not to waste the money by spening it. The borrowed funds must be in­ ve ed. This required a lot of discipline but it can be very financially rewarding. The big busine community uses the nation's financial sys­ tem to its advantage every day. The average person can also take advantage of some of the e big business methods. If you want 6t learn some of them send for a booklet I authored entitled The Financial Security Guide. Make check or money order payable to Law-Fay Com­ munications P.O. Box 54041, Washington, D.C. 20032 ($11.95). How to get the money you need The Financial Security Guide is a 99-page fact-filled book­ let detailing dozens of easy to understand methods for getting the money you need for greater f nancial security. Compiled by veteran financial journalist, James Nathan, the guide includes: How To Raise $10,000 In 90 Days; Wh re To Obtain Loans Through The Mails; Buying Real Estate With No Money 1· Down; Owning Your Own Business, How To Get Foun­ dation Grants and much more. Not a get-rich-quick guide but a solid, well-researched booklet that will detail how and where to g g the money you need. Make 16.95 check or money order pay­ able to Law- Tay Communi­ cations, P.O. Box 54041, Washington, DC 20032. CABLE TV mm�ffiil��iiiimitI�t�II IIIIItgijit:�f�IttI�t rftjfI��at.u.i�iiIrrtrr Hollands Federated Ta Service "The Tax Payers Tax P opt." CALL OUR FRIENDLY CLASSIFIED .AD--VISOR TODAYI 384-1044 AVERY ANDREWS '&COMPANY P.o. Box 2819 GRAND RAPIDS, NI (9501 I (616)4�-92271 IDS financial SeMe .. Inc. IDS Ufe Insurance Company .. 225 West Main Str t Kalamazoo. Michigan .. 9007 Nt �CompenJ ntali 'T F Y C LE lYl If you're moving out of our service area and into one served by a different cable company, just call, toll free: We'll make sure your new cable company contacts you for installation so you won't miss out on your favorite: cab e entertainment. If you're moving within our area, just call us: Bu • (616) 381-3511 Re . (616) 375-0960 226 N. Burdick Mall Suite 205 Kalamazoo, Michipn "9007 Auto Computer Marketin Product Promotion • Public Allllin SJ)«iIzI Ewnt MllMlement HomePbone (616) 329-1090 orrlCC Phone (616) 344-4104 8106 SHAVER lOAD PO TAGE. Ml � (616) U7� l... Volli J. Hollands lox Conwltont EASTSIDE , GROCERY BEER*WINE* GROCERIES PACKAGE LIQUOR ICH IGAN LOTTE RY 1622 East Washington Kllamazoo. MI 49001 345-0641 616/345·1527 AUTHENTIC �/)A�� __ ·. J MUSLIM L""-' Jo/f